How to use the PPF Calculator
- Enter your yearly deposit (₹500 to ₹1.5 lakh).
- Keep the current rate or change it.
- Choose 15 years or an extended period.
- See the tax-free maturity amount.
PPF key features
- Current rate: 7.1% a year (unchanged for the October-December 2026 quarter), compounded yearly.
- Deposit between ₹500 and ₹1.5 lakh a year.
- 15-year lock-in, extendable in blocks of 5 years.
- EEE tax status: deposits qualify for 80C (old regime), and interest and maturity are tax-free.
- Partial withdrawal is allowed from the 7th financial year.
Example: ₹1.5 lakh a year for 15 years at 7.1% grows to about ₹40.68 lakh.
Frequently asked questions
What is the PPF interest rate now?
7.1% per year for the October-December 2026 quarter. The government reviews it every quarter.
When should I deposit in PPF?
Before the 5th of a month, because interest is calculated on the lowest balance between the 5th and the end of each month. For one yearly deposit, invest before 5 April.
These tools give estimates for general guidance and are not financial or tax advice. Rates and rules can change; check official sources before making decisions.